Single-engine piston student reported an NMAC with a helicopter on final approach. Flight landed uneventfully.

Narrative

I am a student pilot and prepared a night cross country flight. I developed two NAVLOGs and filed two VFR flight plans (FFZ->ZZZ1 & ZZZ1->ZZZ2->FFZ); retrieved an outlook brief the night beforehand; and a final standard brief before departing. My instructor verified my NAVLOGs; and had me correct one heading where I had inadvertently copied the wind direction as my true course heading. The weather was poor all morning but did clear up per forecast so we continued. Enroute to ZZZ1 we received flight following from Phoenix approach; Albuquerque center; and Tucson approach. The first leg to ZZZ1 was uneventful; normal landing and closed our first flight plan; and opened the second.Upon departure from ZZZ1; we received Flight following again from Tucson approach and Albuquerque center. My instructor had me don foggles for simulated instrument training and diverted me to ZZZ3 for training. Using my chart and instruments; I performed an unplanned diversion to ZZZ3 until my instructor indicated 'I had the field in sight' and removed my foggles. We terminated our flight following and performed a normal pattern and landing at ZZZ3.Upon departure from we flew north towards ZZZ4. We planned to overfly ZZZ4 at 3700; and briefed the ATIS; adjusting to ZZZ4's altimeter and tuning the ZZZ4 tower frequency while we overflew the field at 3700. There was only one aircraft in the pattern at ZZZ4 on short final. As we overflew ZZZ4 we briefed Falcon ATIS; then began a shallow descent (~100ft/min) and switched to FFZ tower and called in with the weather for a full stop landing. Tower gave us Straight in for runway 4R. We continued our descent until about 3200 and clear of ZZZ4's airspace; then increased our descent rate slightly to make 2400 for FFZ pattern altitude and to remain under the Phoenix bravo shelf at 2700. At 2500 feet I slowed the descent and stopped at 2400 and continued my approach.My instructor had been monitoring traffic on their iPad the entire flight. I had forgotten my iPad; but had been scanning visually the entire flight; and calling out targets as I saw them; for their verification. Approximately 6 miles to 4R; we encountered an unlit large black helicopter that had not been on ADS-B; crossing just below and in front of us. We did not take any evasive action as it came in to view so late and fast; but radioed tower asking about the traffic and the tower had indicated they had them on scope but were not in communication. The tower notified the PHX TRACON. Another aircraft in the area radioed that they had also seen the target and did not see them on ADS-B either. My instructor had only seconds ago taken their iPad down after checking once more for traffic once we had made contact with FFZ and not observed any traffic beyond pattern traffic under tower control. We continued scanning visually but did not see it until it was in front of us.We continued our landing at FFZ and it was uneventful.